What Is Vacant Home Insurance and Why Do You Need It?

Leaving your home unoccupied for weeks or months at a time can expose it to unique risks. You may need to leave your home vacant for several reasons, such as selling, renovating or traveling for an extended period. Vacant home insurance can provide essential financial protection when your property is left unattended.

What Is Vacant Home Insurance?

Vacant home insurance is a specialized type of policy that provides financial protection for properties left unoccupied for a prolonged period, typically 30 to 60 days or more. Standard homeowners insurance may not provide coverage if your home is left vacant, as insurers consider empty properties to be at a higher risk of damage or loss. Vacant home insurance helps fill this gap, offering financial protection against perils such as fire, vandalism, theft and certain weather-related events.

When Do You Need Vacant Home Insurance?

You may need vacant home insurance if:

• Your home is on the market, and you’ve already moved out
• You’re undergoing major renovations that require you to vacate the property
• You’re traveling or working away from home for an extended period
• You’ve inherited a property that will remain empty for some time

In Roland, OK, weather events and property crime can pose additional risks to vacant homes, making this coverage especially important for local homeowners.

Why Is Vacant Home Insurance Important?

Unoccupied homes are more vulnerable to issues such as break-ins, vandalism, and undetected damage from leaks or storms. Without someone present to notice and address problems quickly, minor issues can escalate into costly repairs. Vacant home insurance provides peace of mind, ensuring your investment is financially protected even when you’re not there.

How Our Team Can Help

At The Kimberlee Agency, we help Oklahoma homeowners assess their risks and select the right insurance solutions for vacant homes. Our team can guide you through your options and help you choose a policy that fits your needs, budget and peace of mind. Contact us today to find out more.